USDA Section 502 Guaranteed Loan Program (Idaho)

USDA Section 502 Guaranteed Loan Program (Idaho)是面向Statewide，Idaho购房者的第一抵押贷款，由USDA Rural Development - Rural Housing Service (Idaho State Office), through approved lenders管理。 The USDA Section 502 Guaranteed Loan Program assists USDA-approved lenders in providing low- and moderate-income households in eligible rural areas of Idaho the opportunity to buy, build, rehabilitate, improve, or relocate a primary residence with 100% financing and no money down for those who qualify. USDA provides a 90% loan note guarantee to the lender. The program is currently open with applications accepted year-round through approved lenders, and loans are offered as 30-year fixed-rate mortgages. 100% financing / no down payment for qualified buyers. Income limit up to 115% AMI. No minimum credit score set by program. 30-year fixed rate. Manufactured and modular homes eligible. 资金来自USDA Rural Development loan guarantee (Housing Act of 1949, Section 502(h); 7 CFR Part 3555)。

USDA Section 502 Guaranteed Loan Program (Idaho)是第一抵押贷款，按USDA Rural Development - Rural Housing Service (Idaho State Office), through approved lenders设定的条款偿还。 触发还款的情形：Standard mortgage repayment; no subsidy recapture (guaranteed, not subsidized, loan)。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

USDA Section 502 Guaranteed Loan Program (Idaho)面向将房屋作为主要住所自住的购房者。 公民身份或移民身份：U.S. citizen, U.S. non-citizen national, or qualified alien。 Property must be in a USDA-eligible rural area; household income cannot exceed 115% AMI. Applied for through USDA-approved lenders, not directly through USDA. No program credit score minimum. Interest rate set by the individual lender.

USDA Section 502 Guaranteed Loan Program (Idaho)将家庭收入限制在地区收入中位数的115%，该数值因县和家庭人数而异。 Applicant household income cannot exceed 115% of the area median household income; varies by county and household size per USDA Guaranteed income eligibility tables. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

USDA Section 502 Guaranteed Loan Program (Idaho)可用于Single Family、Condo、Townhouse和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

USDA Section 502 Guaranteed Loan Program (Idaho)服务于在Statewide，Idaho购房的购房者。 该项目针对特定区域：Property must be in a USDA-designated eligible rural area (verify via the USDA Eligibility site)。

USDA Section 502 Guaranteed Loan Program (Idaho)的申请通过USDA Rural Development - Rural Housing Service (Idaho State Office), through approved lenders办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。